What's the annual ROI on the cost of the points to you in terms of savings?

Overpromising and under-delivering in terms of expectations at times.

Does anyone know if loans are 90/10 or 80/20?

I'd start shopping around for terms and building relationships sooner than later. 

While this can maximize leverage and ROI, challenges include getting lender approval for seller financing, high carrying costs, and the pressure of short-term loans.

And sometimes they didn’t even check that (remember Ninja loans).

Purchase price: $740,000 Cash invested: $1,300,000 Sale price: $3,850,000 I refer to this project as a new construction house hack, as I secured a primary residence construction loan for a two-family home.

For example, you could use hard money to purchase and rehab a distressed property and if your total owed on the hard money loan is still below 75-80% of the ARV of the property you potentially could purchase for no or little money down.

Just as a comparison for using greater Cincinnati credit union they have at top tier credit score 6-7% on 7-12 year fixed rate loans, 9.5 on variable loans and 5.25-6% on 10-30 year loans.

Yes but depending on the loan type they may want to understand what that payment is.